Your Employee Bene ﬁ ts Guide - Benefits Directbenefits-direct.com/smsd/wp-content/uploads/sites/... · secure your children’s education, and more in the event of your passing.

Standard Insurance Company

Your Employee Benefi ts GuideEnroll Now To Help Secure Your Financial Future

Shawnee Mission School District Administrative Employees

Benefits Guide LetterSI 16919-155117-ADMIN (8/15)

Welcome To Your Employee BenefitsGuide

Protect What Matters MostBuilding a financial safety net is important. It can also be easy if you takeadvantage of the benefits your employer offers. Take a few minutes nowto explore your options and help protect your future and your loved ones.By enrolling in valuable insurance coverage from Standard InsuranceCompany – at affordable group rates – you can close key gaps in yourfinancial safety net.

You Can Count On The StandardShawnee Mission School District trusts The Standard, and you can too.Founded in 1906, The Standard has been keeping promises for morethan 100 years. We specialize in employee benefits and offer plansdesigned to help give you peace of mind. Doing the right thing for ourcustomers is in our DNA. Whether you have a question or need to file aclaim, we’re easy to reach and ready to help – online or on the phone.

Act Now To Protect Yourself And Those You LoveAs you explore your benefit options, think about what – and who – isimportant to you, now and in the future. You may also want to planahead to take care of financial responsibilities. Read on to learn morereasons to enroll. Then refer to the Benefits at a Glance and CoverageHighlights included in this guide for the details of each plan.

Life Insurance – Plan Ahead For Peace Of MindIt’s not easy to think about, but what would happen to your loved ones ifsomething happened to you? Or, how would you cope if a family memberdied? An unexpected death could leave your family with significant extraexpenses, including final medical and funeral costs, on top of ongoingbills and possible loss of income.

How much Life insurance is enough? Refer to the Benefits at aGlance and Coverage Highlights to learn more about the Life insurancecoverage available through your employer. To help determine yourneeds, use our simple Life Insurance Calculator, available athttp://www.standard.com/calculators/life.html.

Your Employer-PaidBenefits Basic Life with Accidental Death

& Dismemberment (AD&D)

Valuable Benefits You CanEnroll In NowYou may choose to enroll in any orall of the following plans ataffordable group rates, with easypayroll deductions:

Voluntary Life with AccidentalDeath & Dismemberment(AD&D)

Dependents Life

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Benefits Guide LetterSI 16919-155117-ADMIN (8/15)

Accidental Death & Dismemberment InsuranceFew people are prepared for the sudden financial loss brought on by anaccidental death. Even fewer are financially prepared for the high cost ofliving after an accident results in a severe physical loss. Your employeroffers additional financial support by including Accidental Death andDismemberment (AD&D) insurance as part of a Group Life insurancepolicy or as a separate policy from The Standard. AD&D insurance isdesigned to pay a benefit if you or, if applicable, any other covered familymember have an accident that results in a covered loss.

Refer to the Benefits at a Glance and Coverage Highlights for moredetails on your Group Life and AD&D coverage.

Ready To Enroll?Now that you’ve reviewed your options and seen how important yourbenefits can be, the next step is to enroll via your Shawnee MissionDistrict enrollment procedures. If you have any questions, just ask yourBenefits Office. Remember, you have a limited time to enroll, so startsecuring your financial future today.

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Standard Insurance Company 1100 SW Sixth Avenue Portland OR 97204

SI 13279-155117-A 1 of 2 (8/14)

Benefits at a Glance for the Shawnee Mission School District

Group Policy # 155117-AOriginal Group Policy Effective Date January 1, 2013

Group Basic Life and AccidentalDeath and Dismemberment InsuranceBasic Life insurance from Standard Insurance Company helps provide financial protection bypromising to pay a benefit in the event of an eligible member’s covered death. Basic Accidental Deathand Dismemberment (AD&D) insurance may provide an additional amount in the event of a covereddeath or dismemberment as a result of an accident.

The cost of this insurance is paid by the Shawnee Mission School District.

Eligibility

Definition of a MemberYou are a member if you are an active Administrative employee of the Shawnee Mission SchoolDistrict and regularly working at least 20 hours each week. You are not a member if you are atemporary or seasonal employee, a full-time member of the armed forces, a leased employee or anindependent contractor.

Eligibility Waiting PeriodYou are eligible on the first day of the month that follows or coincides with 30 consecutive days ofmembership.

Benefits

Basic Life Coverage AmountYour Basic Life coverage amount is $50,000.

Basic AD&D Coverage AmountFor a covered accidental loss of life, your Basic AD&D coverage amount is equal to your Basic Lifecoverage amount. For other covered losses, a percentage of this benefit will be payable.

Age ReductionsBasic Life and AD&D insurance coverage amounts reduce to 67 percent at age 65 and to 45 percentat age 70.

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Standard Insurance Company 1100 SW Sixth Avenue Portland OR 97204

SI 13279-155117-A 2 of 2 (8/14)

Other Basic Life Features and Services• Accelerated Benefit• Portability of Insurance Provision• Repatriation Benefit• Right to Convert Provision

• Standard Secure Access accountpayment option

• Travel Assistance• Waiver of Premium

Other Basic AD&D Features• Air Bag Benefit• Family Benefits Package• Seat Belt Benefit

This information is only a brief description of the group Basic Life/AD&D insurance policy sponsored by theShawnee Mission School District. The controlling provisions will be in the group policy issued by TheStandard. The group policy contains a detailed description of the limitations, reductions in benefits,exclusions and when The Standard and the Shawnee Mission School District may increase the cost ofcoverage, amend or cancel the policy. A group certificate of insurance that describes the terms andconditions of the group policy is available for those who become insured according to its terms. For morecomplete details of coverage, contact your Benefits Office.

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Standard Insurance CompanyVoluntary Life and AD&D Coverage Highlights

Shawnee Mission School District

SI 12505-VLVA-155117-B 1 of 6 (8/14)

Voluntary Life and Accidental Death and Dismemberment (AD&D) InsuranceLife insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt,secure your children’s education, and more in the event of your passing. AD&D insurance can provide you and yourfamily with extra protection in the event of death or dismemberment as a result of a covered accident. StandardInsurance Company (The Standard) has developed this document to provide you with information about theelective coverage you may select through the Shawnee Mission School District.

Eligibility RequirementsPolicy # 155117-B

Employee • You must be an active employee of the Shawnee Mission School District working atleast 20 hours each week

• Temporary and seasonal employees, full-time members of the armed forces, leasedemployees and independent contractors are not eligible

Dependent • You must elect Voluntary Life with AD&D insurance for yourself in order to electDependents Life insurance for your spouse and eligible child(ren)

• Spouse means a person to whom you are legally married• Child means your child from live birth through the end of the calendar year in which

your child turns 26• Your spouse or children must not be full-time member(s) of the armed forces

Premium • You pay 100 percent of the premium for this coverage through easy payroll deduction

Coverage Amount GuidelinesWithin the coverage amount guidelines shown below, you select the amount of Voluntary Life and Dependents Lifeinsurance for which you are interested in applying.

Minimum Incremental Unit Guarantee IssueAmount Maximum

Employee $10,000 $10,000 $250,000 $350,000Spouse $5,000 $5,000 $25,000 $175,000

Child $5,000 or $10,000

Note:

• Amounts of coverage elected above the Guarantee Issue amount are subject to medical underwriting approval.To submit a medical history statement online, visit: http://www.standard.com/mybenefits/mhs_ho.html.

• All late applications (applying 31 days after becoming eligible), requests for coverage increases andreinstatements are subject to medical underwriting approval. Employees eligible but not insured under the priorlife insurance plan are also subject to medical underwriting approval.

• The coverage amount for your spouse cannot exceed 100 percent of your Life coverage.

Annual Open EnrollmentDuring Shawnee Mission School District’s annual enrollment period, if you are currently enrolled in Additional Lifecoverage you may elect to increase your coverage by one unit ($10,000) without having to submit evidence ofinsurability.

During Shawnee Mission School District’s annual enrollment period, if your spouse is currently enrolled inDependents Life coverage you may elect to increase their coverage by one unit ($5,000) without having to submitevidence of insurability.

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Standard Insurance Company Voluntary Life and AD&D Coverage HighlightsShawnee Mission School District

SI 12505-VLVA-155117-B 2 of 6 (8/14)

Coverage Amount NeededYour family has a unique set of circumstances and financial demands. To help you figure out the amount ofVoluntary Life insurance you may need to protect your loved ones; the Standard has created a Life InsuranceNeeds Calculator found at: http://www.standard.com/lifeneeds.

Employee Coverage Effective DateTo become insured, you must satisfy the eligibility requirements listed above, serve an eligibility waiting period*,(check with your Benefits Office), receive medical underwriting approval (if applicable), agree to pay premium, andbe actively at work (able to perform all normal duties of your job) on the day before the scheduled effective date ofinsurance.*You are eligible on the first day of the month that follows or coincides with 30 consecutive days of membership.

If you are not actively at work on the day before the scheduled effective date of insurance including DependentsLife insurance your insurance will not become effective until the day after you complete one full day of active workas an eligible employee.

Please contact your Benefits Office for more information regarding these requirements that must be satisfied foryour insurance to become effective.

Life and AD&D Age ReductionsUnder this plan, your coverage amount reduces by your age as follows: to 67 percent at age 70 and to 45 percentat age 75.

Your spouse’s coverage amount reduces by your spouse’s age as follows: to 67 percent at age 70 and to 45percent at age 75.

If you, or your spouse, are age 70 or over, ask your Benefits Office for the amount of coverage available.

Life Insurance ExclusionsThis plan contains an exclusion for death resulting from suicide or other intentionally self-inflicted injury. Theamount payable will exclude amounts that have not been continuously in effect for at least two years on the date ofdeath. This is subject to state variations.

Life Insurance Features and BenefitsPlease see your human resources representative for additional information about the features and benefits below.

Waiver of Premium If you become totally disabled while insured under this plan and under age 60, andcomplete a waiting period of 180 days, your Voluntary Life insurance may continuewithout premium payment until age 65 provided you give us satisfactory proof that youremain totally disabled. Waiver of Premium does not apply to AD&D insurance.

Accelerated Benefit If you become terminally ill, you may be eligible to receive up to 75 percent of yourVoluntary Life benefit to a maximum of $500,000.

Portability If your insurance ends because your employment terminates, you may be eligible tobuy portable group insurance coverage.

Conversion If your insurance ends or reduces, you may be eligible to convert your Voluntary Lifeinsurance to an individual life insurance policy without submitting proof of good health.

Travel Assistance1 This service provides you and your dependents with access to appropriate medicalcare and other emergency services when traveling at least 100 miles from home or inforeign countries for up to 180 days. Travel Assistance also offers a range ofprofessional, 24-hour medical, legal and trip assistance information and coordinationservices to help your travel go smoothly.

1 Travel Assistance is provided through an arrangement with FrontierMEDEX, Inc., which is not affiliated with The Standard. Travel Assistance isnot an insurance product, in all states except Oregon and Washington.

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SI 12505-VLVA-155117-B 3 of 6 (8/14)

Voluntary AD&D Insurance Benefit ScheduleThe amount of the Voluntary AD&D benefit for loss of your life is equal to the amount payable for your VoluntaryLife benefit on the date of the accident. The amount of the Voluntary AD&D benefit for other covered losses is apercentage of the amount payable for the Voluntary AD&D benefit on the date of the accident as shown below.

Loss: Percentage Payable:Loss of Life 100%One hand or one foot 50%Sight in one eye 50%Two or more of the losses listed above 100%

The loss must be caused solely and directly by an accident and occurs independently of all other causes, within365 days after the accident. Loss of life must be evidenced by a certified copy of the death certificate. All otherlosses must be certified by a physician in the appropriate specialty as determined by The Standard. No more than100 percent of the AD&D benefit will be paid for all losses resulting from one accident.

Voluntary AD&D Insurance ExclusionsSubject to state variations, Voluntary AD&D benefits are not payable for death or dismemberment caused orcontributed to by:

• War or act of war, declared or undeclared, whether civil or international, and any substantial armed conflictbetween organized forces of a military nature

• Suicide or other intentionally self-inflicted injury• Committing or attempting to commit an assault or felony, or actively participating in a violent disorder or riot• Voluntary use or consumption of any poison, chemical compound, alcohol or drug, unless used or consumed

according to the directions of a physician• Sickness or pregnancy existing at the time of the accident• Heart attack or stroke• Medical or surgical treatment for any of the above

Voluntary AD&D Insurance FeaturesThe following are brief descriptions of features included in this plan. These features offer additional benefits whenan AD&D benefit is payable.

Seat Belt This provides an additional benefit if you die as a result of a covered automobileaccident while properly using a seat belt system

Air Bag This provides an additional benefit if you die as a result of a covered automobileaccident where an eligible air bag system deployed at the time of the accident and forwhich a seat belt benefit is payable.

Family BenefitsPackage

This provides extra AD&D benefits to your family to help them transition as a result ofyour accidental death. Through this provision, your eligible family members may beentitled to receive additional financial help for child care, college or career training.Included are Child Care Benefit, Higher Education Benefit and Career AdjustmentBenefit.

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SI 12505-VLVA-155117-B 4 of 6 (8/14)

When Insurance EndsCoverage ends automatically on the earliest of the following:

• The last date the last period ends for which a premium was paid• The date your employment terminates• The date you cease to meet the eligibility requirements (coverage may continue for limited periods under certain

circumstances)• The date the group policy, or your employer’s coverage under the group policy, terminates• For each elective insurance coverage, the date that coverage terminates under the group policy• For Voluntary AD&D insurance for you, the date your Voluntary Life insurance ends

In addition to the above requirements, your Dependents Life coverage ends automatically on the date yourdependent ceases to meet the eligibility requirements for a dependent.

For more details on when insurance ends, contact your human resources representative.

Group Insurance CertificateIf coverage becomes effective, and you become insured, you will receive a group insurance certificate containing adetailed description of the insurance coverage including the definitions, exclusions, limitations, reductions andterminating events. The controlling provisions will be in the group policy. Neither the information presented in thissummary nor the certificate modifies the group policy or the insurance coverage in any way.

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SI 12505-VLVA-155117-B 5 of 6 (8/14)

Employee Life with AD&D Monthly Premiums

CoverageAmount

Employee’s Age as of your last birthday< 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74* 75+*

$10,000 0.37 0.51 0.60 0.82 1.23 1.80 3.19 4.40 9.26 8.24 5.54$20,000 0.74 1.02 1.20 1.64 2.46 3.60 6.38 8.80 18.52 16.48 11.07$30,000 1.11 1.53 1.80 2.46 3.69 5.40 9.57 13.20 27.78 24.72 16.61$40,000 1.48 2.04 2.40 3.28 4.92 7.20 12.76 17.60 37.04 32.96 22.14$50,000 1.85 2.55 3.00 4.10 6.15 9.00 15.95 22.00 46.30 41.21 27.68$60,000 2.22 3.06 3.60 4.92 7.38 10.80 19.14 26.40 55.56 49.45 33.21$70,000 2.59 3.57 4.20 5.74 8.61 12.60 22.33 30.80 64.82 57.69 38.75$80,000 2.96 4.08 4.80 6.56 9.84 14.40 25.52 35.20 74.08 65.93 44.28$90,000 3.33 4.59 5.40 7.38 11.07 16.20 28.71 39.60 83.34 74.17 49.82

$100,000 3.70 5.10 6.00 8.20 12.30 18.00 31.90 44.00 92.60 82.41 55.35$110,000 4.07 5.61 6.60 9.02 13.53 19.80 35.09 48.40 101.86 90.65 60.89$120,000 4.44 6.12 7.20 9.84 14.76 21.60 38.28 52.80 111.12 98.89 66.42$130,000 4.81 6.63 7.80 10.66 15.99 23.40 41.47 57.20 120.38 107.13 71.96$140,000 5.18 7.14 8.40 11.48 17.22 25.20 44.66 61.60 129.64 115.37 77.49$150,000 5.55 7.65 9.00 12.30 18.45 27.00 47.85 66.00 138.90 123.62 83.03$160,000 5.92 8.16 9.60 13.12 19.68 28.80 51.04 70.40 148.16 131.86 88.56$170,000 6.29 8.67 10.20 13.94 20.91 30.60 54.23 74.80 157.42 140.10 94.10$180,000 6.66 9.18 10.80 14.76 22.14 32.40 57.42 79.20 166.68 148.34 99.63$190,000 7.03 9.69 11.40 15.58 23.37 34.20 60.61 83.60 175.94 156.58 105.17$200,000 7.40 10.20 12.00 16.40 24.60 36.00 63.80 88.00 185.20 164.82 110.70$210,000 7.77 10.71 12.60 17.22 25.83 37.80 66.99 92.40 194.46 173.06 116.24$220,000 8.14 11.22 13.20 18.04 27.06 39.60 70.18 96.80 203.72 181.30 121.77$230,000 8.51 11.73 13.80 18.86 28.29 41.40 73.37 101.20 212.98 189.54 127.31$240,000 8.88 12.24 14.40 19.68 29.52 43.20 76.56 105.60 222.24 197.78 132.84$250,000 9.25 12.75 15.00 20.50 30.75 45.00 79.75 110.00 231.50 206.03 138.38$260,000 9.62 13.26 15.60 21.32 31.98 46.80 82.94 114.40 240.76 214.27 143.91$270,000 9.99 13.77 16.20 22.14 33.21 48.60 86.13 118.80 250.02 222.51 149.45$280,000 10.36 14.28 16.80 22.96 34.44 50.40 89.32 123.20 259.28 230.75 154.98$290,000 10.73 14.79 17.40 23.78 35.67 52.20 92.51 127.60 268.54 238.99 160.52$300,000 11.10 15.30 18.00 24.60 36.90 54.00 95.70 132.00 277.80 247.23 166.05$310,000 11.47 15.81 18.60 25.42 38.13 55.80 98.89 136.40 287.06 255.47 171.59$320,000 11.84 16.32 19.20 26.24 39.36 57.60 102.08 140.80 296.32 263.71 177.12$330,000 12.21 16.83 19.80 27.06 40.59 59.40 105.27 145.20 305.58 271.95 182.66$340,000 12.58 17.34 20.40 27.88 41.82 61.20 108.46 149.60 314.84 280.19 188.19$350,000 12.95 17.85 21.00 28.70 43.05 63.00 111.65 154.00 324.10 288.44 193.73

∗ Coverage amounts for ages 70 and over reduce due to age reductions (see Age Reduction section).Contact your Benefits Office for the amount of coverage available.

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SI 12505-VLVA-155117-B 6 of 6 (8/14)

Spouse Life Monthly Premiums

CoverageAmount

Spouse’s Age as of your last birthday< 30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74* 75+*

$5,000 0.11 0.18 0.23 0.34 0.54 0.83 1.52 2.13 4.56 4.09 2.75$10,000 0.22 0.36 0.45 0.67 1.08 1.65 3.04 4.25 9.11 8.17 5.49$15,000 0.33 0.54 0.68 1.01 1.62 2.48 4.56 6.38 13.67 12.26 8.24$20,000 0.44 0.72 0.90 1.34 2.16 3.30 6.08 8.50 18.22 16.35 10.98$25,000 0.55 0.90 1.13 1.68 2.70 4.13 7.60 10.63 22.78 20.44 13.73$30,000 0.66 1.08 1.35 2.01 3.24 4.95 9.12 12.75 27.33 24.52 16.47$35,000 0.77 1.26 1.58 2.35 3.78 5.78 10.64 14.88 31.89 28.61 19.22$40,000 0.88 1.44 1.80 2.68 4.32 6.60 12.16 17.00 36.44 32.70 21.96$45,000 0.99 1.62 2.03 3.02 4.86 7.43 13.68 19.13 41.00 36.78 24.71$50,000 1.10 1.80 2.25 3.35 5.40 8.25 15.20 21.25 45.55 40.87 27.45$55,000 1.21 1.98 2.48 3.69 5.94 9.08 16.72 23.38 50.11 44.96 30.20$60,000 1.32 2.16 2.70 4.02 6.48 9.90 18.24 25.50 54.66 49.04 32.94$65,000 1.43 2.34 2.93 4.36 7.02 10.73 19.76 27.63 59.22 53.13 35.69$70,000 1.54 2.52 3.15 4.69 7.56 11.55 21.28 29.75 63.77 57.22 38.43$75,000 1.65 2.70 3.38 5.03 8.10 12.38 22.80 31.88 68.33 61.31 41.18$80,000 1.76 2.88 3.60 5.36 8.64 13.20 24.32 34.00 72.88 65.39 43.92$85,000 1.87 3.06 3.83 5.70 9.18 14.03 25.84 36.13 77.44 69.48 46.67$90,000 1.98 3.24 4.05 6.03 9.72 14.85 27.36 38.25 81.99 73.57 49.41$95,000 2.09 3.42 4.28 6.37 10.26 15.68 28.88 40.38 86.55 77.65 52.16

$100,000 2.20 3.60 4.50 6.70 10.80 16.50 30.40 42.50 91.10 81.74 54.90$105,000 2.31 3.78 4.73 7.04 11.34 17.33 31.92 44.63 95.66 85.83 57.65$110,000 2.42 3.96 4.95 7.37 11.88 18.15 33.44 46.75 100.21 89.91 60.39$115,000 2.53 4.14 5.18 7.71 12.42 18.98 34.96 48.88 104.77 94.00 63.14$120,000 2.64 4.32 5.40 8.04 12.96 19.80 36.48 51.00 109.32 98.09 65.88$125,000 2.75 4.50 5.63 8.38 13.50 20.63 38.00 53.13 113.88 102.18 68.63$130,000 2.86 4.68 5.85 8.71 14.04 21.45 39.52 55.25 118.43 106.26 71.37$135,000 2.97 4.86 6.08 9.05 14.58 22.28 41.04 57.38 122.99 110.35 74.12$140,000 3.08 5.04 6.30 9.38 15.12 23.10 42.56 59.50 127.54 114.44 76.86$145,000 3.19 5.22 6.53 9.72 15.66 23.93 44.08 61.63 132.10 118.52 79.61$150,000 3.30 5.40 6.75 10.05 16.20 24.75 45.60 63.75 136.65 122.61 82.35$155,000 3.41 5.58 6.98 10.39 16.74 25.58 47.12 65.88 141.21 126.70 85.10$160,000 3.52 5.76 7.20 10.72 17.28 26.40 48.64 68.00 145.76 130.78 87.84$165,000 3.63 5.94 7.43 11.06 17.82 27.23 50.16 70.13 150.32 134.87 90.59$170,000 3.74 6.12 7.65 11.39 18.36 28.05 51.68 72.25 154.87 138.96 93.33$175,000 3.85 6.30 7.88 11.73 18.90 28.88 53.20 74.38 159.43 143.05 96.08

∗ Coverage amounts for ages 70 and over reduce due to age reductions (see Age Reduction section).Contact your Benefits Office for the amount of coverage available.

Child Life Monthly Premiums*

CoverageAmount Premium

$5,000 0.75$10,000 1.50

* Regardless of the number of eligible children covered.

GP190-LIFE/S399, GP399-LIFE/TRUST,GP899-LIFE, GP190-LIFE/A997/S399

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11Travel Assistance14684 (2/15) SI/SNY EE

In the U.S., Canada, Puerto Rico, U.S. Virgin Islands, and Bermuda, call 800.527.0218. In other locations worldwide, call collect +1.410.453.6330.

You can also email [email protected].

Below is a handy reference card for your wallet.

Travel Assistance helps you cope with emergencies when you travel more than 100 miles from home or internationally for tripsof up to 180 days. It can also help you with non-emergencies, such as planning your trip.

You do not have to enroll. As a participant in your employer’s group insurance from The Standard,‡ you are automatically covered – and so is your family. All services are available 24 hours a day, every day.

Travel Assistance Offers The Following Services:• Pre-trip Assistance including passport, visa, weather and

currency exchange information, health hazards advice and inoculation requirements

• Trip Assistance including emergency ticket, credit card and passport replacement assistance, funds transfer assistance and missing baggage assistance

• Medical Assistance including locating medical care providers and interpreter services

• Legal Assistance including locating a local attorney, consular offi cer or bail bond services

• 24-Hour Health Information including 24/7/365 access to registered nurses who can provide health and medication information, symptom decision support, and help understanding treatment options

• Emergency Transportation Services including arrangingand paying for emergency evacuation to the nearest adequate medical facility and medically necessary repatriation to the employee’s home, including repatriation of remains. Must be arranged by UnitedHealthcare Global. Related medical services, medical supplies and a medical escort are covered where applicable and necessary.

• Personal Security Services including logistical arrangements for ground transportation, housing and/or evacuation in the event of political unrest and social instability. In more complex situations, assists in making arrangements with providers of specialized security services.

Group Life Insurance

Travel AssistanceSecurity That Travels With You

‡ The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N.Y. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own fi nancial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.

Travel Assistance is provided through an arrangement with UnitedHealthcare Global, which is not affi liated with The Standard, and is subject to the terms and conditions, including exclusions and limitations, of the Emergency Travel Assistance Program Employee Description. Travel Assistance is not an insurance product, except in Oregon. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc.


The Standard Life Insurance Company of New York

www.standard.com

Travel Assistance is available when traveling at least 100 miles from home or in a foreign country.

In the United States, Canada, Puerto Rico, U.S. Virgin Islands, and Bermuda, call toll-free....................................................800.527.0218In other locations worldwide, call collect.................+1.410.453.6330

UnitedHealthcare Global Travel Assistance can also be reached [email protected].

UnitedHealthcare Global is not responsible for the availability or results of any medical, legal, or transportation services. You are responsible for obtaining all services not directly provided by UnitedHealthcare Global and for the expenses associated with them. All services must be arranged by UnitedHealthcare Global. No claims for reimbursement will be accepted.

Fold

Group #9061

Global Intelligence Centerhttps://members.uhcglobal.com/Standard/standard1.aspx

14684_215.indd 1 8/17/2015 10:22:48 AM

Group Life insurance through your employer gives you assurance that your family will receive some fi nancial assistance in the event of a death. But coverage under a Group Life policy from The Standard‡ does more than help protect your family from fi nancial hardship after a loss. We have partnered with Bensinger, DuPont & Associates (BDA) to offer a lineup of additional services that can make a difference now and in the future.

Online tools and services can help you create a will, make advance funeral plans and put your fi nances in order. After a loss, benefi ciaries can consult experts by phone or in person, and obtain other helpful information online.

The Life Services Toolkit is automatically available to those insured under a Group Life insurance policy from The Standard. Recipients of an Accelerated Benefi t can access services for 12 months after the date of payment. Life insurance benefi ciaries1 can access services for 12 months after the date of death.

Services to Help You NowVisit the Life Services Toolkit website for information and tools to help you make important life decisions.

www.standard.com/mytoolkit with the username “assurance”

• Estate-Planning Assistance: Online tools, found in the Legal Forms section, walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney and health care agent forms.

• Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of other fi nancial matters with confi dence.

• Health and Wellness: Timely articles about nutrition, stress management and wellness help employees and their families lead healthy lives.

• Identity Theft Prevention: Check the website for ways to thwart identity thieves and resolve issues if identity theft occurs.

• Funeral Arrangements: Use the website to calculate funeral costs, fi nd funeral-related services and make decisions about funeral arrangements in advance.

If you are a recipient of an Accelerated Benefi t, you may access the services for benefi ciaries outlined on the next page.

Life Insurance

Life Services ToolkitResources and tools to help you and your benefi ciary meet life’s challenges


The Standard Life Insurance

Company of New York

www.standard.com

‡ The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York.

1 The Life Services Toolkit is not available to Life insurance benefi ciaries who are minors or to non-individual entities such as trusts, estates or charities.

Life Services Toolkit17526 (8/15) SI/SNY EE FLYER

17526_815.indd 1 8/17/2015 10:25:54 AM

13

Services for Your Benefi ciaryThese supportive services can help your benefi ciary cope after a loss:

• Grief Support: Clinicians with master’s degrees are on call to provide confi dential grief sessions by phone or in person. Benefi ciaries are eligible for up to six face-to-face sessions and unlimited phone contact.

• Legal Services: Benefi ciaries can obtain legal assistance from experienced attorneys.

- They can schedule an initial 30-minute offi ce and a telephone consultation with a network attorney. Benefi ciaries who wish to retain a participating attorney after the initial consultation receive a 25 percent rate reduction from the attorney’s normal hourly or fi xed fee rates.

- They can obtain an estate-planning package that consists of a simple will, a living will, a health care agent form and a durable power of attorney.

• Financial Assistance: Benefi ciaries have unlimited phone access to fi nancial counselors who can help with issues such as budgeting strategies, and credit and debt management, including hour-long sessions on topics requiring more in-depth discussion.

• Support Services: During an emotional time, benefi ciaries can receive help planning a funeral or memorial service. Work-life advisors can guide them to resources to help manage household repairs and chores; fi nd child care and elder care providers; or organize a move or relocation.

• Online Resources: Benefi ciaries can easily access additional services and features on the Life Services Toolkit website for benefi ciaries, including online resources to calculate funeral costs, fi nd funeral-related services and make decisions about funeral arrangements.

For benefi ciary services, visit www.standard.com/mytoolkit (User

name = support) or call the phone assistance line at 800.387.5742.

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company, 1100 SW Sixth Avenue, Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York, 360 Hamilton Avenue, Suite 210, White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own fi nancial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.

The Life Services Toolkit is provided through an arrangement with Bensinger, DuPont & Associates (BDA) and is not affi liated with The Standard. BDA is solely responsible for providing and administering the included service. This service is not an insurance product.

Benefi ciaries can participate in phone consultations or in-person meetings with trained grief counselors.

17526_815.indd 2 8/17/2015 10:25:57 AM

14

Enrollment Booklet

SI 16891-155117-AdminEE (8/15)


For more than 100 years we have been dedicated to

our core purpose: to help people achieve fi nancial well-

being and peace of mind. We have earned a national

reputation for quality products and superior service by

always striving to do what is right for our customers.

Headquartered in Portland, Oregon, The Standard is a

nationally recognized provider of group Disability, Life,

Dental and Vision insurance and Individual Disability

insurance. We provide insurance to more than 24,800

groups, covering over 8 million employees nationwide.*

Our fi rst group policy, written in 1951 and still in force

today, stands as a testament to our commitment to

building long-term relationships.

To learn more about products from The Standard,

contact your human resources department or visit

us at www.standard.com.

* As of June 30, 2013, based on internal data developed by Standard Insurance Company.

Your Employee Bene ﬁ ts Guide - Benefits Directbenefits-direct.com/smsd/wp-content/uploads/sites/... · secure your children’s education, and more in the event of your passing.

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